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Karen Ayers has had a diverse work experience spanning over several years. Karen started their career as a Technical Support Specialist at Credit Suisse First Boston in 1993. Later, they joined Business Bank of California as a VP, Marketing Officer in 1996. In 2004, they became a Marketing Manager at Visterra Credit Union, where they worked until 2015. In 2016, Karen held the position of Executive Director at Fontana Chamber of Commerce and later became a Vice President of Marketing at both Provident Savings Bank and Provident Bank Mortgage.

Karen Ayers earned a Bachelor of Science degree in Business Administration from Wilkes University between the years 1988 and 1992. In 2020, they enrolled in the ABA Bank Marketing School, although the completion status and details of their degree and field of study are not provided.